one and sixty-five hundredths
^
l
l
You say "and" to indicate that there is an decimal.
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165% = 165/100 = 33/20
165
0.165 written as a fraction is 165/1000
165 = (1 x 100) + (6 x 10) + (5 x 1)
1.65 as a fraction = 165/100 or 33/20